Call reports 2026
FIRST NATIONAL BANK OF MONTEREY, THE — 2026
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 429,586,000 | 430,515,000 |
| Total loans | 237,043,000 | 250,977,000 |
| Allowance for loan losses | 4,722,000 | 4,723,000 |
| Securities available for sale | 148,384,000 | 148,817,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 378,330,000 | 379,751,000 |
| Interest-bearing deposits | 321,030,000 | 322,292,000 |
| Noninterest-bearing deposits | 57,300,000 | 57,459,000 |
| Equity capital | 48,160,000 | 48,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,070,000 | 10,395,000 |
| Interest expense | 2,042,000 | 4,163,000 |
| Net interest income | 3,028,000 | 6,232,000 |
| Noninterest income | 249,000 | 463,000 |
| Noninterest expense | 1,840,000 | 3,784,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,437,000 | 2,911,000 |
| Income tax | 284,000 | 577,000 |
| Net income | 1,153,000 | 2,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 57,298,000 | 58,479,000 |